5 Year Fixed 3.09%

5 Year Variable 2.95%

ACCESSIBILITY PLAN - PRIVACY - COMPLAINTS

In just a few short years, the internet has revolutionized the way everyone does business. It allows us to interact with customers personally across time, space and boundaries. The internet provides us with the opportunity to offer information, listen to your opinions and to provide a host of banking and financial services that you can access from the convenience of your home or office. At the same time, this new technology brings with it legitimate concerns about privacy and security.

We are dedicated to protecting your privacy and safeguarding your personal, business, and financial information at all costs. In fact, it is one of our highest priorities and remains the cornerstone of our commitment to you. However you choose to provide information to us, we promise to use vigorous security safeguards and adhere to our privacy principle to ensure that your personal and financial information is well protected.

Our privacy policy

Our privacy policy applies to personal customers, including individuals carrying on business alone or in partnership with other individuals.

It consists of five key principles:

Collecting and using information Either before or when we collect the information about you, we will explain how we intend to use it. We will limit the information we collect to what we need for those purposes, and we will use it only for those purposes. We will obtain your consent if we wish to use your information for any other purpose and before collecting information from third parties such as credit bureaus. Your personal financial information is used to help us manage operations and risk within MortgageBrokersOttawa.com. Your information is also used in order to satisfy valid information requests from regulators and other organizations or individuals who are legally entitled to make such requests. For our mutual protection and to confirm our discussions with you, we may monitor and/or record your telephone discussions with our representatives.

Releasing information We may provide your information to other persons only in the following instances:

Where we have your consent

Where the other parties are our suppliers or brokers who assist us in providing our services to you

Where we are required or permitted to do so by law or applicable regulators

Where transfers of a business are involved

Protecting information We will protect your information with appropriate safeguards and security measures, and will retain your information only for the time that is required for the purposes we explain.

Providing information access and accuracy We will give you access to the information we retain about you, and will make every reasonable effort to keep your information accurate and up-to-date.

Respecting and responding to your privacy concerns In this privacy code, we will explain your options for refusing or withdrawing consent to the collection, use and release of your information, and we will record and respect your choices. We will investigate and respond to your concerns about any aspect of our handling of your information.

The purpose of the AODA 2005 is to benefit all Ontarians by developing, implementing and enforcing accessibility standards in order to achieve accessibility for Ontarians with disabilities by 2025.

Mortgage Brokers City has identified Andrew Malheiro, Manager of Operations as Complaints Officer, responsible for receiving and handling all complaints filed with Mortgage Brokers City.

The Complaints Officer must acknowledge receipt of the complaint within two business days by the same method that the complainant has used.

The Complaints Officer must respond to all written complaints in writing, within ten business days of receiving the written complaint.

The Complaint Response must advise the complainant that: (1) the complaint is being reviewed by Mortgage Brokers City or advise the complainant of Mortgage Brokers City’s position on the complaint, and (2) advise the complainant that he or she may contact FSCO directly if the alleged misconduct is in contravention of the MBLAA or its Regulations. FSCO’s Mortgage Brokerage Activity Complaint Form is available on the FSCO website at: